Thanks for bringing this to my attention. I looked @ the TIRA reduction and her tax would be $19 with it. Without TIRA reduction her tax is $219.

Taking the Retirement Tax Credit gets her a $500 credit that basically wipes out the $214 tax due to a zero tax liabilty. She had a student loan reduction that brought her AGI down quite a bit too. So that's one of those "factors" you mentioned.

Decided the Roth will be better and will file an amended return after her initial return is processed to get the Retirement Tax Credit and the $219 refunded.

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